Mortgage
buy / refinance / invest 4-10
Clear numbers, calm decisions.
Holistic Financial ConsultantTaxes • Mortgages • Money StrategyI help you move forward with clear numbers and calm, practical decisions.
2 languages
English + Spanish support
15 min
Free discovery call
L2 licensed
Mortgage agent in Ontario
Trusted, private guidance with practical next steps. Results vary by situation, but every plan starts with clarity.
Read client storiesFormer CRA Income Tax AuditorLicensed Mortgage Agent (L2)Bilingual EN/ESPrivate & confidential
What are you here for?
Choose the pathway that fits your current priority.
Tax
10-year review / season prep / business
Money Strategy
cash-flow / debt / systems
Service Spotlight
10-Year Holistic Tax Review (When It Fits)
This review is most useful for clients with complex changes over the last few years, such as moves, job transitions, children, or shifting income.
We take a calm, step-by-step look at the previous decade only when relevant, then decide together whether this should be a priority now or later in your overall plan.
- Review up to 10 years of filings only when your profile suggests value.
- Identify missed credits and benefits you may still be able to claim.
- Agree on clear next steps with no pressure to proceed.
Not everyone needs this review first. We can help you choose the right starting point.
Who benefits most
- Families with kids, support, or changing benefits.
- Professionals who moved, changed jobs, or had income swings.
- Newcomers who weren't fully guided on Canadian tax rules.
All work is private and confidential. The CRA pays any eligible refunds directly; our role is to help you see what's possible and walk through the process with calm, clear steps.
Professional guidance with a human heart
I'm Fanny Samaniego—a bilingual Mortgage Agent (Level 2), former CRA Income Tax Auditor, and holistic financial consultant based in Toronto. I help professional families, executives, and business owners make clear, values-aligned decisions across mortgages, tax rhythm, and everyday money strategy.
- Mortgage strategy, cash-flow systems, and tax-season readiness aligned in one practical plan.
- Coordinated support with lenders and qualified specialists when your plan needs it.
- Clear next steps after every call—without overwhelm.
Ready for the full map?
Explore Full Services4-Week Small-Group Program
Kitchen Table Conversations
Intimate small-group circles led by Fanny and her team—like sitting around a kitchen table—where you can ask questions, get clear answers, and leave with next steps you’ll actually follow.
Who it’s for
- First-time buyers & newcomers
- Families aligning values & budgets
- Investors exploring multi-unit (4–10)
What we cover
- Mortgage steps, rates & readiness
- Cash-flow, debt & credit strategy
- Values-aligned, stress-free planning
How it works
- Small groups (friendly & focused)
- 4 weekly sessions • 45–60 min
- Simple next-steps after each call
Helpful Tools & Articles
Tools
Simple calculators, checklists, and decision helpers to keep things moving—made to match how you actually follow through.
- Budget & cash-flow worksheet
- Mortgage readiness checklist
- Tax season prep list
Articles
Short, practical reads on mortgages, money behavior, and tax basics—no jargon, just next steps.
- First-home roadmap (Toronto edition)
- Debt strategy without the shame spiral
- Small-business taxes: what to track
Stay in the Loop
Get monthly tips, checklists, and gentle reminders—bilingual and spam-free.
SubscribeClarity grows from conversation.
No pressure, no rush—just thoughtful guidance when it's right for you.
Start a ConversationHuman Design is optional—used only to personalize communication and pacing. It never replaces financial, tax, or legal fundamentals.